Rural 1st - Home Loans
Specialized Financing for Country Living in Oklahoma
Whether you’re purchasing land, building a home, or expanding your rural property, Rural 1st® financing makes it easier to achieve your dream of country living. Oklahoma AgCredit, in partnership with Rural 1st, offers flexible home loans designed specifically for rural properties so you get financing that fits your needs.
Why Finance with Rural 1st®?
Rural Lending Experts
Our team understands the unique aspects of rural properties, from acreages and barns to off-grid homes and private wells. With years of experience in country home financing, we provide lending solutions that work for the long haul.
Streamlined Loan Process
Rural 1st® simplifies home lending with an efficient approval process and a dedicated team focused solely on rural financing. From application to closing, you’ll experience a seamless, hassle-free process designed to get you into your new home faster.
Custom Lending Options
Unlike conventional lenders, Rural 1st® specializes in financing rural homes and properties, offering loan packages tailored to country living. Whether you’re buying land, constructing a home, or making property improvements, we have the right loan for you.
Country Home Financing Options
Home Loans
Secure fixed- or adjustable-rate financing for purchasing or refinancing a rural home. Choose from flexible down payment options and loan structures designed for country properties.
Construction Loans
Planning to build your dream home? Rural 1st® construction loans offer flexible terms for financing land and home construction, ensuring your project stays on track from start to finish.
Home Equity Loans
Turn your existing property’s equity into financing for barns, outbuildings, expansions, and property improvements. Whether you're adding fencing, upgrading facilities, or expanding acreage, we have lending solutions to support your plans.
Land Loans
Purchase bare land with the freedom to develop it on your terms. Whether you’re planning to build, farm, or use it for recreation, our land loans offer customized rates and terms to fit your vision.
Lot Loans
Secure a fixed- or adjustable-rate loan on undeveloped land, with terms that match your goals. Flexible down payment options make it easy to start investing in your future property.
How to Apply for a Rural 1st® Home Loan
Applying for a Rural 1st® Home Loan is quick and easy, whether you choose to apply online or in person. Our financial officers specialize in rural lending and will help you find the best financing solution for your property.
What You’ll Need to Apply
Details about the property (acreage, location, intended use)
Construction plans or improvement details, if applicable
Down payment information and financial statements, if required
Meet The Team
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Jason Ramsey
VP Rural Lending Officer - NMLS 704022
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Courtney Gilpen
Rural Lending Associate
Get Started Today
Make your country living dream a reality with Rural 1st® Home Loans. Whether you're buying, building, or improving a rural property, we offer customized financing solutions to fit your needs.
Loan Calculator
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